Even if your name is Gary, we're not picking on you. At least we hope not.

Gary is a commission-obsessed salesman playing a key role in the motivational personal financial planning book Beyond Paycheck to Paycheck. Preying on the lesser-informed, this unscrupulous villain sells you products first and asks you questions second. Well, sometimes. Other times, he never asks questions at all.

Although we hope you never meet Gary in the real-world, your best defense is a solid financial education. Therefore, we are compelled to inform you about his habits, tell you the types of questions you should ask him, and always provide you an alternative source for the truth.